Disclaimer

1. We are not your attorney

Nothing on FairSettlement.org constitutes legal advice, and no attorney-client relationship is created by your use of this website, our calculator, or any document we generate for you. We are an educational technology company staffed by writers, engineers, and reviewers, not a law firm. Our editorial reviewers include licensed attorneys, but they act in an editorial capacity only. They do not represent you, do not investigate your case, and do not file anything on your behalf.

Personal injury law is jurisdiction-specific, fact-specific, and deadline-driven. A single statute-of-limitations miss can permanently destroy an otherwise strong claim. If you have a real accident, a real injury, or a real settlement offer on the table, speak with a licensed attorney in your state. Most personal injury attorneys offer free consultations and work on contingency, meaning you pay nothing unless they recover for you.

2. AI-generated content disclosure

Large portions of the output produced by FairSettlement.org are generated in real time by artificial intelligence systems. That includes case analyses, suggested settlement ranges, fairness scores, case-strength assessments, demand letter drafts, phone scripts for adjuster calls, and the copilot feedback that appears as you fill out the calculator.

We use frontier AI reasoning models hosted by third-party providers (currently including Anthropic and Google). Our editorial and legal reviewers audit the AI’s prompts, scoring methodology, and representative outputs, but we do not manually review every individual response before it reaches you. AI systems can produce confident-sounding statements that are incomplete, outdated, or subtly wrong. You should treat every AI-generated output on this site as a first draft that a human, ideally a licensed professional, must verify before anything is filed, signed, or sent.

The written guides, state pages, methodology pages, and blog articles on FairSettlement.org are drafted with AI assistance and then edited, fact-checked, and approved by our editorial team before publication. We describe this workflow in detail in our Editorial Policy.

3. How to read our settlement estimates

Our calculator applies the multiplier method, the same general framework used by insurance adjusters and plaintiff attorneys for decades. We multiply your documented economic damages (medical bills, lost wages, future medical needs, property damage, and out-of-pocket costs) by a factor between roughly 1.5x and 5x, adjusted for injury severity, treatment duration, permanency, jurisdiction, comparative fault, and evidence strength.

Our estimates are directional. They are meant to tell you whether an insurance offer is in the ballpark, well below fair value, or unusually generous. They are not predictions of what a specific claim will actually settle for. Real settlement outcomes depend on many variables our calculator cannot see, including:

• The quality and consistency of your medical documentation
• The defendant’s available insurance policy limits and personal assets
• Pre-existing conditions, prior claims, and prior injuries on the same body part
• Witness credibility, photographs, police reports, and surveillance footage
• Jury tendencies in the specific county or district where your case would be tried
• The skill and track record of the attorneys on both sides
• Your willingness and ability to take the case to trial if settlement fails

Two claimants with identical injuries and medical bills can and do settle for very different amounts because of these factors. Use our estimate as one data point, not as a ceiling, floor, or target you should insist on.

4. Jurisdiction and state-law limits

FairSettlement.org focuses on general personal-injury concepts that apply across most common-law jurisdictions. We publish state-specific pages for all 50 U.S. states, the District of Columbia, and selected provinces and regions in Canada, the United Kingdom, Australia, and other English-speaking countries. Those pages summarize headline rules, such as statutes of limitations, comparative-negligence standards, damages caps, and no-fault thresholds.

State and provincial law changes constantly. Courts issue new opinions, legislatures amend statutes, insurance commissioners update regulations, and caps get adjusted for inflation. We update our state pages on a scheduled cadence but we cannot guarantee the information reflects the law as of the moment you are reading it. Before you rely on a specific statute of limitations, a specific damages cap, or a specific fault rule, confirm the current law with a licensed attorney in that state or with the official state code published by the state government.

If you were injured outside the United States, if your case involves federal jurisdiction (maritime, aviation, FELA, workers’ compensation), if it involves a government defendant (notice-of-claim rules apply), or if you are a minor or incapacitated adult, our general framework may not apply at all. Seek specialized counsel.

5. No warranty · use at your own risk

FairSettlement.org is provided on an “as is” and “as available” basis. We make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability, or availability of the website or the information, products, services, or related graphics contained on the website for any purpose.

To the maximum extent permitted by applicable law, we exclude all liability for any loss or damage, including without limitation indirect or consequential loss or damage, or any loss or damage whatsoever arising from loss of data, lost settlements, missed deadlines, or profits arising out of or in connection with the use of this website. Any reliance you place on material on this website is strictly at your own risk.

In particular, you agree that we are not responsible if you use the calculator, share our output with an adjuster, send our demand letter draft to an insurance company, or rely on any advice in our blog, and your case subsequently settles for less than you expected, is denied, or is dismissed. Our tools are aids, not guarantees.

6. Third-party links and services

Our website may contain links to third-party websites, tools, databases, or services that are not owned or controlled by FairSettlement.org. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites or services. We do not warrant the offerings of any of these entities or their websites.

When you use our AI features, your inputs are transmitted to third-party AI inference providers (currently Anthropic and Google). Those providers have their own terms and privacy policies that govern how they handle that data. We describe our data handling in our Privacy Policy.

7. Advertising and affiliate disclosure

FairSettlement.org is a free service for visitors. We earn referral fees from law firms in our vetted partner network when a visitor who requests a free case review chooses to connect with one. We do not algorithmically rank specific firms, do not endorse any individual firm, and never guarantee a particular outcome. Connecting with a firm is always optional.

If we ever publish a sponsored article, review an affiliate product, or receive a referral fee from any third party, we will clearly and conspicuously label that content as sponsored or affiliate and identify the commercial relationship. As of the date of this disclaimer, we do not run affiliate links to law firms and we do not sell leads to attorneys.

8. Changes to this disclaimer

We may update this disclaimer from time to time to reflect changes in our tools, our content, applicable law, or our business practices. The most current version will always be posted at this URL with the “last updated” date at the top of the page. Material changes will be noted in our blog where appropriate. Your continued use of FairSettlement.org after an update constitutes acceptance of the revised disclaimer.

9. Contact us

If you have questions about this disclaimer, about our methodology, about a specific output the calculator produced for you, or about how our AI systems handle your inputs, we want to hear from you.

• General questions: use the form on our contact page
• Editorial inquiries: [email protected]
• Privacy or data requests: see our Privacy Policy

Thank you for reading this far. We built FairSettlement.org because we believe injury victims deserve the same information insurance companies already have. That belief only holds up if we are honest about what our tools can and cannot do. That is what this page is for.